'While many policies say that they will cover mental illnesses, the wordings of a few still have mental illness as a permanent exclusion.' 'After the new IRDAI circular, such exclusions should go away.'
Seek advice from Sebi-registered investment advisors whose names are available on Sebi's Web site.
Buy from an established agent rather than a novice who may not be around when you need his assistance.
Going through the credit report regularly will make you aware of a number of issues. One is identity theft.
While most borrowers calculate the gain they stand to make from switching to a lower interest rate, they often fail to take into account all the costs.
A person who has cancer and doesn't have any health insurance will find it difficult to buy a regular hospitalisation cover. An indemnity-based cancer plan may cover them.
Silver, which is currently trading at Rs 68,453 per kilogram, has appreciated 21.7 per cent over the past three months. Investors, however, shouldn't get carried away by its recent performance and put their money in it. Instead, they should evaluate its pros and cons and then take a considered decision based on their risk appetite.
Don't exit from growth-style funds as they may benefit next from a shift in investor preference.
'Comparing the rates of interest with PSU banks, the three- and five-year time deposit rates of the post office are more favourable.'
Besides high portfolio yield, investors may enjoy capital gains in debt funds in 2023 as bonds rally in anticipation of rate cuts.
Given the prevailing uncertainties, investors must maintain a 10-15 per cent allocation to gold in 2023.
'AI can be very useful for making analysis and especially making city-based local forecasts.'
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